The Ghanaian government intends to reward liabilities to the Mass Appropriation Organizations which thusly acquired assets from business banks adding to the expanding non-performing advances of the business. Lessening the openness of banks to the energy and utility area is supposed to advance the resource nature of the area (Marsh, 2016). The revelation of oil in business amounts gives huge functional and speculation amazing open doors for Ghanaian banks (Mawutor, 2014; GBS, 2011). Dangers Over the top contest from liberation and all inclusive financial practices can cause indebtedness and precariousness of the business as banks succumb to moral danger, data deviation and seek after less secure systems to prepare more stores. World Bank (2014) showed that with Gross domestic product of USD 38.62 billion and populace of 26.79 million, Ghana could flaunt 29 widespread banks while Nigeria had Gross domestic product of USD 568.5 billion, populace of 177.5 million and 22 general banks. Beck (2008) and Claessens (2009) thought the need of controlling rivalry in the financial framework to support strength since unjustifiable contest could bring about weakness to fundamental gamble (Allen and Hurricane, 2004; Carletti and Hartmann, 2003). The energy emergency that plagues Ghana antagonistically influences monetary development finishing in expanding functional expenses, declining business pay and productivity (Adom, 2011; Anane, 2015; Andersen and Dalgaard, 2012; CEPA, 2007). The 2012-2016 energy emergency added to decrease in genuine Gross domestic product development rate from 8.8% in 2012, 7.3% in 2013, 4% in 2014 to 3.9% in 2015. Banking industry working resources dropped to 19% in 2015 from 38% in 2014 (Anane, 2015, PwC, 2016). Increasing normal expansion rates from 9.1% in 2012, 11.5% in 2013, 15.5% in 2014 to 17.1% in 2015 combined with devaluation of the cedi and awkward nature in other macroeconomic factors hinder advancement of the financial area. Athanasoglou, Brissimis and Stores (2005), Kosmidou, Pariouras and Tannz (2005), Kutsienyo (2011) and Sibindi and Bimba (2014) archived experimental proof of Gross domestic product development influencing emphatically on the financial area and rising expansion unfavorably influencing banking area development. IMF (2011) announced the chance of unfortunate resource nature of Ghanaian banks ought to the macroeconomic imbalanced wait on.>